NORD/LB Group Presentation

News from the business segments Corporate Customers & Savings Bank Network: together a strong partner for small and medium-sized enterprises 1 Jan - in €m¹ 9930 Exposure by industry¹ as at 30 Sep 2023 Exposure at Default €40.9bn 30 Sep 2023 1 Jan- 30 Sep 2022 Revenues Expenses Result² - 344 136 304 208 - 108 197 100% Risk provisions Earnings before taxes - 39 5 169 202 18% 13% ■ Manufacturing industry Energy, water, mining and construction ■ Trade, maintenance and repairs 13% ■ Agriculture, forestry and fishing 10% ■Transport/communications 36% 5% 5% ■Financing institutes/insurance companies ■ Service industries/other 1 Slight deviations may occur due to rounding 2 Result before restructuring, reorganisation and taxes Our customers benefit from our in-depth and recognised expertise in agricultural banking, the energy and food industry, leasing companies, acquisition finance and as a service provider for payment transactions/ cash management and trade finance Our broad product expertise (including working capital management, debt purchase, syndicated loans, digital promissory notes and risk management) enables us to react flexibly to volatile developments in the market environment and to support our clients as a financial partner in the best possible way With tailor-made ESG-based and green financing solutions for our medium-sized corporate customers in bilateral and syndicated lending business as well as promissory notes, we facilitate sustainable and responsible action We provide the giro central function for the savings banks in Lower Saxony, Saxony-Anhalt, Mecklenburg-Western Pomerania and Schleswig-Holstein and are a partner in the syndicated loan business of savings banks for corporate customers We support municipalities with a focus on the S-Group region in financing and nationwide in the derivatives business Finanzgruppe 31 NORD/LB

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